“On Demand” Deposit Account

• Deposit account term: on demand.

• Deposit account amount: unlimited.

• Interest accrued: quarterly.

• Within the Deposit Account Contract validity term, the depositor is entitled to add and withdraw unlimited funds.

• When the deposit amount is fully withdrawn and the balance equals to zero, the Deposit Account Contract is terminated.

Deposit Account type	Deposit Account term	Minimum deposit amount		Interest rate, % per annum
		Russian rubles	US dollars, euro	Russian rubles	US dollars	Euro
On Demand	-	-	-	0.1	0.01	0.01

Approved by the Management Board of Garant-Invest Commercial Bank (JSC) (Minutes of the Meeting No. 36 dated 31 October 2016).

Valid since 01 November 2016

Fixed-Term Deposit Account

Fixed-term deposit account is a deposit for a certain term on conditions agreed in the Contract. The Bank accrues interest for the deposit amount under the rate indicated in the Contract.

Deposit Account type	Deposit Account term		Minimum deposit amount		Interest rate, % per annum
			Russian rubles	US dollars, euro	Russian rubles	US dollars	Euro
Pension	370 days		1 000 000	20 000	5	0,75	0.2
Children	370 days		1 000 000	20 000	5	0,75	0.2
Investment	181 days 271 days 370 days		3 000 000 3 000 000 3 000 000	50 000 50 000 50 000	5.25 5.5 5.75	1.1 1.3 1.5	0.16 0.18 0.2
Investment Plus	31 days 91 days 181 days 271 days 370 days 740 days		3 000 000 3 000 000 3 000 000 3 000 000 3 000 000 3 000 000	50 000 50 000 50 000 50 000 50 000 50 000	4.5 4.75 5 5.25 5.5 4.75	0.5 0.7 0.9  1.1 1.3  0.9	0.1 0.12  0.14 0.16 0.18 0.14
Prestige Plus	91 days 181 days 271 days 370 days 740 days		2 000 000 2 000 000 2 000 000 2 000 000 2 000 000	30 000 30 000 30 000 30 000 30 000	4 4.25 4.5 4.75 4.25	0.3 0.5 0.7 0.9 0.5	0.08 0.1 0.12  0.14 0.1
1111	1111 days	370 days 371-740 days 741-1111 days	3 000 000 3 000 000 3 000 000	50 000 50 000 50 000	6 5 4	1.5 0.9 0.5	0.2 0.16 0.1

Approved by the Management Board of Garant-Invest Commercial Bank (JSC) (Minutes of the Meeting No. 33 dated 15 September 2020).

Valid since 16 September 2020

“Pension” Deposit Account

• Deposit Account term: 370 days.

• Minimum deposit amount: 1 000 000 rubles, 20 000 US dollars, 20 000 euro.

• Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 31 days prior to maturity.

• Debit transactions for the Deposit Account are not provided.

• Interest paid monthly.

• Opportunity to extend the Deposit Account term automatically at maturity: for the same term and on conditions applicable in the Bank at the moment of the Contract prolongation.

• The Deposit Account is opened only if the pension certificate (including military officers) is available.

“Children” Deposit Account

“Children” Deposit Account is opened for the child under 13 years old upon presentation of the depositor’s passport and the child’s certificate of birth (beneficiary).

• Deposit Account term: 370 days.

• Deposit Account maturity: the Deposit Account is annually prolonged.

• Deposit Account is not prolonged if the beneficiary turns 14 years old.

• Minimum deposit amount: 1 000 000 rubles, 20 000 US dollars, 20 000 euro.

• Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 91 days prior to maturity.

• Debit transactions for the Deposit Account are not provided.

• Interest paid at the Deposit Account maturity. If the Deposit Account is prolonged, the interest will be added to the deposit amount.

• In case the Depositor does not demand deposit return at maturity, the Contract will be deemed automatically prolonged for the same term and on conditions applicable in the Bank for this type of deposit at the moment of the Contract prolongation.

• The deposit is paid to the beneficiary once he or she turns 14 years old and presents the passport.

“Investment” Deposit Account

• Deposit Account term: 181 days, 271 days, 370 days.

• Minimum deposit amount: 3 000 000 rubles, 50 000 US dollars, 50 000 euro.

• Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 91 days prior to maturity.

• Debit transactions for the Deposit Account are not provided.

• Interest paid quarterly.

• Opportunity to extend Deposit Account term automatically at maturity: for the same term and on conditions applicable in the Bank at the moment of the Contract prolongation.

“Investment Plus” Deposit Account

• Deposit Account term: 31 days, 91 days, 181 days, 271 days, 370 days, 740 days.

• Minimum deposit amount: 3 000 000 rubles, 50 000 US dollars, 50 000 euro.

• Replenishable Deposit Account. Single replenishment amount is unlimited; last replenishment term must not exceed 91 days prior to maturity.

• Debit transactions for the Deposit Account are not provided.

• Interest paid monthly.

• Opportunity to extend Deposit Account term automatically at maturity: for the same term and on conditions applicable in the Bank at the moment of the Contract prolongation.

“Prestige Plus” Deposit Account

• Deposit Account term: 91 days, 181 days, 271 days, 370 days, 740 days.

• Minimum deposit amount: 2 000 000 rubles, 30 000 US dollars or 30 000 euro.

• Number of replenishments and the replenishment amount are unlimited; last replenishment term must not exceed 91 days prior to maturity.

• Debit transactions for unlimited partial deposit payment, provided that the minimum deposit amount is preserved.

• Interest for the replenishment amount and partial withdrawal is accrued under the rate applicable for the primary deposit.

• Interest paid at maturity.

• Opportunity to extend Deposit Account term automatically at maturity: on conditions applicable in the Bank at the moment of the Contract prolongation. (Deposit amount will be considered the deposit balance at maturity, not less than the established minimum).

“1111” Deposit Account

• Deposit Account term — 1111 days.

• Minimum deposit amount: 3 000 000 rubles, 50 000 US dollars or 50 000 euro.

• Deposit Account is not replenishable.

• Debit transactions are not provided.

• Deposit Account is not prolongable.

• Interest paid quarterly. Interest is accrued for the current balance under the rate indicated in the relative period.

• In case of premature Deposit Account termination, the interest is calculated according to the following procedure:
  - if the Deposit Account is terminated before 370 days, the interest is re-calculated as per “On Demand” rate;
  - interest is paid per full period under the Deposit Account terms;
  - interest per incomplete period is re-calculated as per “On Demand” rate for the actual term the funds were deposited at the account in this period.